Top Deals #5: Life Insurance - The Essence of Family Wealth Management: Growth, but More Importantly, Certainty

Protecting your family’s future through stability, not speculation

Nov 11, 2025

Why You Should Add Life Insurance and Annuity to Your Portfolio?

Using certainty to protect your happiness

In wealth planning, many people focus on “earning more”: real estate to hedge against inflation, stocks and funds to chase returns. But what truly keeps a family stable is never the return curve alone.

When risks arise, is there money to “hold the bottom”?

An accident or a serious illness can put a family’s finances in a passive state; retirement income interruption can also sharply reduce quality of life.

The essence of wealth is not just growth, but certainty. This certainty comes from two pillars of family financial security:

Life insurance — prevents the family from “collapsing”

The first line of defense against risk.

Leverage function: spend a small amount to secure large coverage. For example, a 45-year-old woman uses $350,000 in premiums to leverage a $3 million whole life policy.

Certainty function: regardless of market fluctuations, the policy continues to grow steadily, providing cash value and long-term protection.

Wealth transfer function: parents can use it for education funds or inheritance; business owners can use it for equity transfer and family protection.

Annuity — provides confidence in retirement

Make your future life more secure.

Retirement cash flow: turn saved money into a lifelong “salary,” receiving payments for as long as you live.

Stable compound growth: unaffected by market fluctuations, providing steady long-term growth.

Family capital pool: education, marriage, and retirement can all be planned in advance, allowing wealth to steadily grow over time.

The Biggest Risks in Selecting Insurance Products

Selecting the right life insurance or annuity plan is one of the most important financial decisions you’ll ever make. Yet, many people fall into hidden traps — mistakes that often surface only years later. Here are the top 3 risks to avoid:

Buying from the wrong company

Not all insurance providers are created equal. A company’s financial strength determines whether it can pay claims 20 or 30 years down the road.

Choosing the Wrong Product Type

Whole life, indexed universal life (IUL), variable annuities — each product works differently. The wrong choice can lead to poor returns, high fees, or limited flexibility. Match the product to your actual goals — income security, legacy planning, or tax-free growth.

Failing to review and adjust over time

Your financial life changes — your insurance should too. Failing to update beneficiaries, coverage amounts, or riders can leave your plan outdated and inefficient.

The Hummie Differences

Better services

Insurance pricing is set by carriers based on factors like age, gender, and health.
That means the same product costs the same no matter who is selling the product to you — but the service quality and strategy behind it make all the difference.

We focus on selecting the top ranked professionals:

15+ years of industry experience, with in-depth understanding of products and policy differences
Partnerships with 20+ top insurance companies across the U.S., flexibly matching personalized solutions
Long-term support and maintenance to keep your policy secure and optimized

Better prices

For every insurance project, your consultant will present up to five competitive bids from top providers — ensuring you get the best value available.

Plus, claim thousands of dollars Hummie Refund

Refer yourself or a friend who completes a life insurance project through Hummie, and receive an average $3,000 marketing fee refund.

Editor’s notes:

Family wealth is not only about the amount of assets, but also about having the confidence to say, no matter what happens in the future: “I have it covered.”